Covid-19 - Important information 4th October 2021
On 4th October, the travel traffic light system is being replaced by a simplified set of rules for international travel. These rules tell you what you must do when returning to England, Scotland, Wales, and Northern Ireland from a red list country.
Before buying travel insurance, you should think about what could happen if your destination moves to the red list. You may face extra costs and face travel restrictions that won't be covered by your travel insurance policy.
It's important to check both your destination's entry requirements and the Foreign, Commonwealth and Development Office (FCDO) advice for travelling there.
If you travel against the FCDO advice, you won't be covered by any travel insurance policy you buy.
A few insurers do offer cover if you're an essential traveler, but if you have any questions, you should check the policy wording or contact your chosen provider before you buy.
What’s not covered with single trip travel insurance?
A standard travel insurance policy sadly won’t cover you for every possible eventuality. It only covers you in the event of the unexpected happening, like cancellations, lost baggage, accidents or illness. The good news is that you can adjust your policy to make sure you’re covered for everything you’ll need. Just edit the results of your search after getting a quote.
Here’s what’s not covered on the standard policy:
- Pre-existing medical conditions
- Travelling against FCDO advice
- Ski cover or extreme sports cover
- Natural disasters and terrorism
Pre-existing medical conditions are covered under a specific type of policy which covers most medical conditions including cancer, stroke and heart conditions.
Travelling against FCDO advice for example, ignoring travel advice around coronavirus, means your travel insurance policy will not cover you if you make a claim.
Ski cover or extreme sports cover has to be added as an extra when getting your quote. If you’re going on a skiing holiday or have a holiday planned that includes adventure sports, your standard travel insurance policy won’t cover you.
Natural disasters and terrorism such as an earthquake on your trip, may not be covered. The same applies to acts of terrorism. The best way to be sure is to double check your policy details, and if you’ve got any questions, contact your insurer directly.
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